> I no longer have the financial means to take a step back into a less senior role at a company with a larger engineering team.

I'm already the third person to pull this quote out of your post. I think you need to stop and look at this. You are saying "I am living beyond my means."

As long as you are living beyond your means, you are going to have to make compromises in your career. Look around outside. Any of us could be laid off three months from now if something doesn't change soon. As much as you need a career mentor right now, you need to look at how finances trap you too.

If what you say or what I say are true, this may be the last time in a good long while that you can refinance your loans at a lower rate. Limiting your discretionary spending, finding a new 'normal' that is sustainable.